Quarterly
Performance Unadjusted
For Surrender Charges
Average
Annual Returns as of 08/30/2019 YTD as
of the end of the previous business day. YTD returns are cumulative.

IMPORTANT PERFORMANCE INFORMATION
Performance is historical and does not guarantee future results.
Investment return and principal value fluctuate with changing market
conditions so that, when redeemed, units may be worth more or less
than their original cost. Current performance may be lower or higher
than the performance data quoted.

Unadjusted returns are based on a $40,000 payment and are net of
mortality and expense risk and administrative charges, but not
surrender charges or the $30 annual contract fee. Performance figures
do not reflect the annual charge of 0.25% of the contract value
(assessed quarterly) for the GRIB rider while in force. If the charge
were reflected, performance figures would be lower. Withdrawals may be
subject to income tax and, if made prior to age 59½, a 10% federal
penalty tax. All performance figures are annualized unless otherwise
noted. Unadjusted return performance may be reflected prior to the
inception date of the subaccount.

Investments in money market portfolios are not insured or guaranteed
by the Federal Deposit Insurance Corporation or any other government
agency. Although the portfolio seeks to preserve the value of your
investment at $1.00 per unit, it is possible to lose money by
investing in the portfolio. The yield quotation more closely reflects
the current earnings of the portfolio than the current return
quotation. Yields will fluctuate.

Variable annuities are long term vehicles designed for retirement
purposes. Withdrawals or surrenders may be subject to surrender
charges. Amounts withdrawn may be subject to ordinary income tax, and
if taken prior to age 59½, a 10% IRS penalty may also apply.
Withdrawals have the effect of reducing the death benefit, any living
benefits and cash surrender value. Variable annuities are sold by
prospectus. Please refer to the appropriate prospectus for more
complete information, including fees, limitations, age restrictions
and risk factors that may apply. You should read the prospectus
carefully before purchasing a contract or policy.

* FEE WAIVER:
Returns may reflect past or present fee waivers, limits or reductions
negotiated by the portfolio's investment manager. Without such
waivers, limits or reductions the returns would be lower. Please see
prospectus for complete details.

RISK DISCLOSURE:
Investments in variable products involve risk. Some portfolios offer
more risk than others, such as REIT investments which can be affected
by interest rate moves, economic cycles and tax and regulatory
requirements. Furthermore, there are additional risks with investing in
non-US companies, high-yield bonds, emerging markets, aggressive growth
stocks, non-diversified/concentrated funds and small-, mid- and
micro-cap stocks which are more fully explained in the prospectuses.
Please read both the contract and underlying prospectus for specific
details regarding the product's risk profile.

OBTAIN A PROSPECTUS:
To obtain a prospectus, download one from www.zurichamericanlifeinsurance.com, or talk to
your financial representative. You should carefully consider the
investment objectives, risks, charges and expenses of the variable
annuity and its underlying fund options before investing. The variable
annuity and underlying fund prospectuses contain this and other
important information about the investment product. Please read the
prospectuses carefully before you invest.

Subaccount

YTD

Year
1

Year
3

Year
5

Year
10

Lifetime
Portfolio

Lifetime
Subaccount

Alger Balanced

12.21%

2.16%

7.05%

5.50%

6.65%

6.06%

3.55%

Alger Capital Appreciation

21.49%

2.17%

14.95%

10.29%

13.31%

11.66%

6.11%

BNY Mellon MidCap Stock Portfolio

11.86%

-11.68%

2.87%

2.43%

10.44%

5.22%

5.86%

BNY Mellon Sustainable U.S. Equity Portoflio

23.44%

5.87%

10.19%

6.35%

10.56%

6.67%

2.73%

Invesco Variable Insurance Managed Volatility

11.86%

-4.28%

3.45%

1.97%

6.69%

5.40%

2.91%

DWS Capital Growth VIP

26.45%

5.76%

15.28%

11.69%

13.06%

8.86%

5.44%

DWS CROCI U.S. VIP

20.06%

-4.36%

6.26%

0.71%

6.13%

5.63%

3.74%

DWS International Growth VIP

21.61%

-0.76%

5.82%

2.73%

5.65%

3.70%

3.92%

DWS Global Small Cap VIP

11.67%

-17.73%

0.14%

-1.23%

5.78%

5.77%

5.00%

DWS Government & Agency Securities VIP

4.74%

5.56%

0.92%

0.65%

1.49%

4.01%

2.82%

DWS Core Equity VIP

19.57%

-1.48%

10.45%

8.29%

11.72%

6.74%

3.95%

DWS High Income VIP

11.81%

6.33%

4.87%

2.74%

6.18%

7.35%

3.91%

DWS CROCI® International VIP

9.60%

-9.76%

2.56%

-3.10%

0.40%

3.13%

-0.12%

DWS Global Equity

26.39%

5.32%

9.68%

5.49%

6.53%

4.68%

2.90%

DWS Government Money Market VIP

0.38%

0.47%

-0.33%

-0.75%

-1.06%

2.51%

0.43%

DWS Small Mid Cap Growth VIP

13.86%

-15.92%

5.18%

4.05%

10.83%

5.39%

2.37%

DWS Multisector Income VIP

7.17%

7.69%

2.77%

0.40%

3.32%

3.60%

3.60%

DWS Global Income Builder VIP

14.17%

2.59%

5.86%

3.33%

6.03%

6.95%

2.95%

DWS Small Mid Cap Value VIP

13.04%

-14.72%

1.22%

1.30%

7.78%

6.33%

5.85%

DWS Bond VIP

8.59%

8.84%

2.40%

2.38%

3.05%

4.12%

1.67%

DWS Equity 500 Index VIP

20.37%

1.30%

10.85%

8.31%

11.56%

5.53%

6.90%

Janus Henderson Forty Portfolio

%

7.47%

17.11%

13.80%

12.51%

10.29%

6.69%

Returns may reflect past or present fee waivers,
limits or reductions. Without such waivers, limits or reductions the
returns would be lower. Please see prospectus for complete details.

You may request allocations in up to 17 variable subaccounts at any
given time, in addition to the Deutsche Money Market VIP.

† Total returns are not annuitized.

1. Special risk considerations are associated with
investments in non-U.S. companies, including fluctuating foreign
exchange rates, foreign government regulations and differing degrees
of liquidity that may adversely affect the portfolio.
2. Accumulation units are neither insured nor guaranteed by the U.S.
government.
3. The portfolio may concentrate investments in specific sectors,
which creates special risk considerations. As a non-diversified
portfolio, it can invest more than 5% of its assets in the securities
of a particular issuer. This presents greater risk of loss of
principal as the financial condition or market's assessment of such
securities changes.
4. Investments by the portfolio in lower-rated bonds present greater
risk to principal and income than investments in higher-quality
securities.
5. Investments by the portfolio in small companies generally present
greater risk of loss than investments in larger, more established
companies.
6. There is no guarantee that the portfolio will be able to mirror the
performance of the index closely enough to track its performance.
7. The Standard & Poor's 500 index (S&P 500) is an unmanaged group of
large-company stocks. The index reflects reinvestment of all
distributions. It is not possible to invest directly in the index.
8. The yield quotation more closely reflects the current earnings of
the fund that the total return quotation.
9. The portfolio can leverage or borrow money against, up to one-third
of its total assets to buy additional securities. By borrowing money,
the portfolio's net asset value could be more than if the portfolio
had not borrowed.
10. The portfolio may concentrate investments in specific sectors,
which creates special risk considerations.
11. The S&P MidCap 400 Index is unmanaged and consists of 400 domestic
stocks chosen for market size, liquidity and industry group
representation. It is a market-value weighted index and was the first
benchmark of mid-cap stock price movement.
12. An investment in the portfolios is not insured or guaranteed by
the Federal Deposit Insurance Corporation or any other government
agency. Although the portfolio seeks to preserve the value of your
investment at $1.00 per share, it is possible to lose money by
investing in the portfolio.

a A portfolio is a pooled funding vehicle
established by an investment company and made available exclusively to
a participating insurance company’s separate account. Therefore, “Life
Of Portfolio” reflects performance since the first date the investment
company established the portfolio, regardless of whether or not the
portfolio was available as a subaccount option under the insurance
company’s variable annuity or variable life contract.

b A subaccount is a subdivision of the insurance company’s separate
account, which is available as an investment option through a variable
annuity or variable life contract. Each subaccount invests exclusively
in shares of the corresponding portfolio. Therefore, “Life Of
Subaccount” reflects performance since the first date the subaccount
was offered by the insurance company’s separate account.
Scudder DestinationsSM, a variable, fixed and market
value-adjusted deferred annuity contract (policy form series L-8166
and L-1550) is issued by Zurich American Life Insurance Company,
administrative office: 2000 Wade Hampton Blvd., Greenville, SC
29615-1064. Securities are distributed by Investors Brokerage
Services, Inc., administrative office: 2500 Westfield Drive,
Elgin, IL 60123. May not be available in all states. The contract
contains limitations and policy forms may vary by state.

Risk Considerations
Investments in mutual funds and variable annuities involve risk. Some
investment products have more risk than others, such as those
investing in gold related securities, which are subject to market
price movements, regulatory changes and economic conditions as well as
adverse political and financial factors. REIT investments can be
affected by interest rate moves, economic cycles and tax and
regulatory requirements. Furthermore, there are additional risks
associated with investing in non-US companies, high-yield bonds,
emerging markets, aggressive growth stocks,
non-diversified/concentrated funds and small-, mid- and micro-cap
stocks which are more fully explained in the prospectuses. Bond
investments are subject to interest-rate risk such that when interest
rates rise, the prices of the bonds, and thus the value of the bond
fund, can decline and the investor can lose principal value. Please
read the prospectus for more information.

Read the Prospectus
To obtain a prospectus, download one now
, talk to your financial representative or call one of our customer
representatives at (800) 449-0523. You should carefully consider the
product's objectives, risks, charges and expenses before investing.
The prospectus contains this and other important information about the
investment product. Please read the prospectus carefully before you
invest.

NOT FDIC/NCUA INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY